# Ziggi's Coffee Franchise Funding for Existing Owners

> Funding for existing Ziggi's Coffee owners: espresso equipment, required coffee inventory, cafe and drive-thru upgrades and mobile units, read from deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/ziggis-coffee/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

Already operating a Ziggi's Coffee shop? Merchant Fund Express funds existing Ziggi's owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. We read weekly royalty and marketing drafts, the required coffee inventory and espresso equipment service against your deposits. A complete file gets a same-day decision, and funding often follows the next business day.

## Who is this page for?

Owners of open Ziggi's shops in the published formats: a small freestanding drive-thru with no seating, a cafe with drive-thru that seats a few dozen guests, and, since 2026, mobile units run from a truck or trailer at events. The menu runs from espresso and tea to smoothies, dirty soda, energy drinks, sandwiches and wraps; espresso machines come through a franchisor affiliate, and owners keep a minimum stock of designated coffee.
Read it with the coffee and beverage franchise sector guide and our coffee shop industry page.

## What the franchisor publishes

Ziggi's Coffee: facts from official sources
Franchisor: Ziggi's Coffee Franchise, LLC (Mead, Colorado), franchising since 2016 (source)
Parent company: Round Ball Ventures LLC and Crux Investments LLC, which the FDD says may be deemed parent companies (source)
Initial franchise fee: $40,000 for a single franchise plus a $10,000 launch fee; $30,000 per shop for 3 to 8 shops or $25,000 for 9 or more under a development agreement (FDD issued March 31, 2026) (source)
Royalty: 6% of Gross Sales, paid weekly on Monday (source)
Advertising fund: Marketing and technology fee of 1% of gross sales, may increase to 2% (source)
Liquid assets / net worth asked of new franchisees: Minimum available liquidity of $150,000 (no net worth figure published) (source)
Locations: 115 outlets, 107 franchised and 8 affiliate-owned, as of Dec 31, 2025 (2026 FDD) (source)
Published formats: Drive-thru (about 500 to 865 sq ft, no seating), cafe with drive-thru, and mobile unit (truck or trailer, first offered 2026) (source)
US franchising status: Actively franchising in the US (single-unit and area developer agreements) (source)
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.

## Every way to fund your Ziggi's Coffee location

Already running a Ziggi's Coffee location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Franchise business loan: A term loan for a planned cafe or drive-thru project, sized from the shop's current deposits.
Merchant cash advance: Card-settlement repayment for a shop whose window and counter sales batch daily.
Revenue-based financing: Payments that follow sales, which helps a mobile unit whose event calendar is uneven.
Business line of credit: A revolving line to keep the required coffee inventory and sandwich supplies stocked.
Equipment financing: Espresso machines, blenders and refrigeration financed on a vendor quote and useful life.
Working capital: Short capital for crew payroll, a repair or a slow stretch at a newer shop.

## Which problems do Ziggi's owners bring to a funding review?

Espresso equipment is the costly line
Espresso machines are among the larger equipment items, so replacing or adding one is a natural equipment financing request; see coffee equipment financing.
A required coffee stock to carry
Owners keep a minimum of designated coffee on hand plus food from designated suppliers; a line of credit holds that level in a slow week.
Mobile unit and event cash flow
A truck or trailer earns at events, so deposits arrive in bursts while payroll and fuel do not wait. Revenue-based financing fits; see coffee shop working capital.

## Which product fits which Ziggi's need?

Need | Product | Published requirement it leans on | What to send |
Espresso machine replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
Required coffee and food inventory | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
Event-driven mobile unit gaps | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements, event calendar |
Crew payroll at a newer shop | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
Cafe seating or drive-thru upgrade | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quote, statements |

## How does the review read a Ziggi's shop?

Entity: the company on the franchise agreement and the deposit account; developers often hold each shop separately.
Deposits: daily card batches from the window and counter; mobile units show event-day spikes.
Weekly franchisor drafts: royalty and the marketing and technology fee are debited weekly and read as recurring obligations.
Supplier drafts: coffee, dairy and food from designated suppliers are cost of goods.
Existing positions: current advances and loans are counted; a new structure can sometimes lower the combined payment.

## What documents does a Ziggi's funding review need?

About 3 months of business bank statements (bank PDFs) for each shop entity
The five-minute application, starting with a soft credit pull
Vendor quotes for espresso, blending or refrigeration equipment
A list of current advances, loans and leases with payments
Full financials only for requests above $250,000
Merchant Fund Express offers Spanish-speaking support and accepts ITIN applicants.

## A hypothetical Ziggi's budget scenario

Consider a cafe with drive-thru depositing $82,000 a month. Payroll is $25,000, coffee, food and supplies $24,000, weekly franchisor drafts $5,740, rent $7,200 and existing payments $3,100. The owner wants a second espresso machine quoted at $33,000.
Monthly deposits$82,000
Less payroll, supplies, franchisor, rent, payments$82,000 - $25,000 - $24,000 - $5,740 - $7,200 - $3,100 = $16,960
$33,000 over 48 monthsabout $688/month before cost of funds
Share of what remains$688 / $16,960 = about 4.1%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a Ziggi's instead?

A shop or mobile unit that has not opened has no deposits to read, so it needs operating history first. Owners adding a shop under a development agreement are read on their open shops' deposits; see second location funding. Buying an open shop follows franchise transfer financing.

## Keep reading

Coffee and beverage franchise funding: how coffee concepts are reviewed
Franchise brands we cover: every brand page in this guide
Franchise revenue-based financing: payments that track sales
Franchise equipment financing: quotes and useful life
Franchise vehicle funding: trucks and trailers for mobile units

## Common questions

### Can a Ziggi's mobile unit be funded?

Yes, once it operates with business deposits; event-driven revenue suits revenue-based financing.

### Can I finance an espresso machine for my Ziggi's?

Yes, on the vendor quote and the machine's useful life.

### Does the required coffee inventory count against me?

No. Designated coffee and food purchases are read as cost of goods. A line of credit can keep that stock level steady.

### What if I own several Ziggi's shops?

Each shop or entity is read on its own deposits and weekly drafts, so a request can cover one shop or several.

### Are you affiliated with Ziggi's Coffee?

No. Merchant Fund Express is independent. We use the Ziggi's Coffee name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.

Merchant Fund Express is independent. Not affiliated with or endorsed by Ziggi's Coffee or its franchisor.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=ziggis-coffee